CICA Life Burial Insurance Review: Is It a Good Choice?
Written by Daniel Ray, Life Insurance Expert |
✅
Fact Checked by
Lisamarie Monaco |
Editorial Disclosure
Are you considering CICA Life burial insurance but unsure if it’s the right choice?
Many seniors look for affordable life insurance to cover final expenses, but with so many providers, it’s important to evaluate costs, benefits, and customer reviews before making a decision.
CICA Life Insurance Company of America offers burial insurance policies, but some consumers have concerns about financial strength, claims processing, and overall reliability.
In this review, we’ll analyze CICA Life’s burial insurance options, AM Best rating, complaints, and how it compares to other providers.
What Is CICA Life Insurance?
CICA Life (Central International Corporation of America) is a Texas-based life insurance company that provides final expense and burial insurance. It is a subsidiary of Citizens, Inc. (NYSE: CIA), a publicly traded company.
CICA Life focuses on offering affordable life insurance for seniors, particularly burial insurance policies that require no medical exam and guarantee fixed premiums for life.
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Is CICA Life Insurance Legit?
Yes, CICA Life Insurance is a legitimate company that offers licensed insurance products in the U.S. However, it lacks the strong financial backing of industry leaders like Mutual of Omaha and Aetna.
Who Owns CICA Life Insurance?
- Parent Company: Citizens, Inc. (NYSE: CIA).
- Headquarters: Austin, Texas.
CICA Life AM Best Rating & Financial Strength
One concern for policyholders is CICA Life’s financial strength rating.
A B rating from AM Best indicates that CICA Life has financial stability but is not as strong as leading competitors.
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CICA Life Burial Insurance Policy Features
CICA Life offers final expense insurance plans that help cover funeral costs, medical bills, and small debts.
Key Features
✅ No Medical Exam Required – Standard Plan has no height, weight, tobacco, or prescription check.
✅ Fixed Premiums – Monthly payments never increase.
✅ Guaranteed Death Benefit – Funds go directly to beneficiaries.
✅ Coverage Options – Policies typically range from $1,000 to $30,000.
✅ Cash Value Growth – Policy builds savings over time.
| Feature | Details |
|---|---|
| Plan Type | Whole Life Insurance (Final Expense Protection) |
| Coverage Options |
– **Superior Choice – Standard** (Simplified Underwriting) – **Superior Choice – Guaranteed Issue** (No Health Questions) |
| Issue Ages | – **Both Plans**: Ages 0-85 (Age Last Birthday) |
| Face Amounts |
– **Standard Plan**: • Ages 0-50: $1,000 – $30,000 • Ages 51-70: $1,000 – $20,000 • Ages 71-85: $1,000 – $10,000 – **Guaranteed Issue Plan**: • Ages 0-70: $1,000 – $30,000 • Ages 71-85: $1,000 – $10,000 |
| Guaranteed Benefits |
– **Premiums never increase** – **Cash value accumulation** over time – **Guaranteed death benefit payout** |
| Health Requirements |
– **Standard Plan**: No height, weight, tobacco use, prescription, or medical bureau check required – **Guaranteed Issue Plan**: No health questions or underwriting |
| Additional Benefits |
– **Terminal Illness Accelerated Death Benefit** (Up to $15,000) – **Accidental Death Benefit Rider** (Up to $30,000, coverage ends at 85) – **Dismemberment Benefit** (Varies based on severity) |
| Nonforfeiture Options |
– **Reduced Paid-Up Insurance**: Keeps a reduced death benefit active – **Extended Term Insurance**: Provides full coverage for a limited period – **Automatic Premium Loan**: Uses cash value to pay premiums if necessary |
| Guaranteed Issue Waiting Period |
– **First 2 years:** Death benefit is **110% of premiums paid** unless death is accidental – **After 2 years:** Full face amount paid for any cause of death |
| Company Information |
– **Underwritten by:** CICA Life Insurance Company of America – **Website:** CICA Life – **Customer Service:** Contact your licensed agent for details |
Other Key Features of CICA Allegiant Superior Choice Final Expense
✔ Guaranteed Issue Available: No health questions for those who qualify.
✔ Flexible Coverage Options: $1,000 – $30,000 available depending on age.
✔ Accelerated Death Benefit: Up to $15,000 for terminal illness or nursing home confinement.
✔ Accidental Death Benefit Rider: Up to $30,000 additional coverage available.
✔ Nonforfeiture Benefits: Reduced Paid-Up and Extended Term options available.
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CICA Life Burial Insurance Cost & Sample Rates
The cost of CICA Life burial insurance varies based on age, gender, and health status.
Sample Monthly Rates for a $10,000 Policy (Non-Smoker)
- Guaranteed issue policies (no health questions) cost 20-30% more.
- Smokers and those with pre-existing conditions will pay higher premiums.
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CICA Life Insurance Complaints & Customer Reviews
While CICA Life is a legitimate provider, it has some complaints related to claims processing and customer service.
Common Complaints
❌ Slow Claims Processing – Some families report delays in receiving benefits.
❌ Higher Premium Costs – Compared to competitors like Mutual of Omaha.
❌ Lower AM Best Rating – B rating suggests weaker financial backing.
✅ Decent Customer Support – BBB rating of A-, which is better than some competitors.
How CICA Life Burial Insurance Compares to Competitors
Compare CICA Life to Other Leading Burial Insurance Providers!
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FAQ Section
Yes, CICA Life is a licensed insurance provider in the U.S.
AM Best Rating: B (Fair) – Weaker than top competitors.
Central International Corporation of America (CICA).
B (Fair) – Indicates financial stability but below top-rated insurers.
Mixed reviews – Strong customer service but concerns about claims delays and financial strength.
Conclusion
CICA Life offers legitimate burial insurance options, but it lags behind competitors in financial strength, claims processing, and affordability. While its policies provide guaranteed coverage with no medical exam, the lower AM Best rating and complaints about delays may concern some buyers.
For stronger financial backing and better pricing, consider Mutual of Omaha, Aetna, or SBLI.
Are you looking for the best burial insurance option for your family?
“Get Your Free Burial Insurance Quote Today!
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